Call reports 2017
UNITY BANK — 2017
What UNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 159,449,000 | 165,298,000 | 165,404,000 | 172,617,000 |
| Total loans | 128,872,000 | 136,354,000 | 137,406,000 | 137,821,000 |
| Allowance for loan losses | 1,425,000 | 1,586,000 | 1,767,000 | 1,958,000 |
| Securities available for sale | 12,503,000 | 12,487,000 | 12,498,000 | 11,954,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,471,000 | 145,383,000 | 145,459,000 | 152,678,000 |
| Interest-bearing deposits | 122,287,000 | 125,617,000 | 125,832,000 | 130,529,000 |
| Noninterest-bearing deposits | 17,184,000 | 19,766,000 | 19,627,000 | 22,149,000 |
| Equity capital | 14,845,000 | 15,041,000 | 15,301,000 | 15,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,799,000 | 3,676,000 | 5,636,000 | 7,593,000 |
| Interest expense | 219,000 | 481,000 | 751,000 | 1,025,000 |
| Net interest income | 1,580,000 | 3,195,000 | 4,885,000 | 6,568,000 |
| Noninterest income | 170,000 | 441,000 | 661,000 | 897,000 |
| Noninterest expense | 1,348,000 | 2,684,000 | 3,962,000 | 5,223,000 |
| Provision for loan losses | 110,000 | 290,000 | 470,000 | 700,000 |
| Pretax income | 292,000 | 662,000 | 1,114,000 | 1,542,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 292,000 | 662,000 | 1,114,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,938,000 | 14,155,000 | 14,426,000 | 14,714,000 |
| Total capital | 15,363,000 | 15,741,000 | 16,188,000 | 16,506,000 |
| Risk-weighted assets | 132,982,000 | 139,522,000 | 140,878,000 | 143,154,000 |